ManipalCigna Lifetime Health Plan - Premium, Benefits and Review
ManipalCigna Health Insurance ManipalCigna Health Insurance ★ 4.4

ManipalCigna Lifetime Health Plan

ManipalCigna Lifetime Health Plan is a comprehensive health insurance ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
77+
Pan India presence
98%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,706 reviews
🏥 15,000+ hospitals
📊 1.76 solvency ratio
98% claim settlement

About ManipalCigna Lifetime Health Plan

A quick read on what this ManipalCigna Health Insurance plan covers and why it might be a fit for you.

ManipalCigna Lifetime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs. It offers a multitude of comprehensive benefits for domestic and global healthcare expenses. The ManipalCigna Lifetime Health Plan offers high sum insured options, ranging between Rs. 50 Lakh and Rs. 3 Crore, which you can choose as per your requirements for coverage in India and abroad. ManipalCigna Lifetime Health offers coverage on an individual as well as family floater basis. The plan offers two variants: Lifetime Health India Plan and Lifetime Global Plan.

The plan covers you at every stage of life with benefits such as medical and surgical expenses incurred due to treatment of any disease or injury. ManipalCigna Lifetime Health also offers AYUSH treatment expenses, organ donor expenses, mental healthcare, modern and advanced treatment, HIV/AIDS and STD coverage, etc. ManipalCigna Lifetime Health is an excellent choice to cover yourself and your family members. The policy offers terms of 1, 2, or 3 years.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
91 days, to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹75 L, ₹1 Cr, ₹1.5 Cr, ₹2 Cr, ₹3 Cr
Waiting period
30 days
Renewability
Lifetime
Policy term
1, 2, 3 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Covers treatment costs for HIV/AIDS and STDs
  • Covers mental illness
  • Offers global coverage

Cons

  • Vaccination not covered
  • IVF treatment not covered
  • Air ambulance not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Manipal Cigna Health Insurance Plan Detailed Review

Manipal Cigna Health Insurance Plan Detailed Review

This video describes manipal cigna health insurance plan in the detailed review. Know about all the details and plan options Manipal Cigna offers.

ManipalCigna Lifetime Health Plan Benefits

  • Optional Covers

    Offers enhanced protection with additional coverage options, allowing you to customize your plan as per your needs.

  • Tax Benefits

    Premiums paid for this plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

  • Discounts

    The plan offers a 5% discount from the 4th to the 7th policy year, and a 10% discount from the 8th policy year onwards.

ManipalCigna Health Insurance Network Hospital List

ManipalCigna Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not covered under the ManipalCigna Lifetime Health Plan include:
  • Hospitalization due to war, riot, strike, or nuclear weapons
  • Intentional self-injury
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under this plan after specific waiting periods:
  • Listed ailments: 24 Months
  • Pre-existing diseases: 24 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years Max entry age: 65 Years Initial Waiting Period: 30 Days Sum Insured: Up to 3 Crore

Other features & benefits

  • Option for deductibles
  • Domestic and international coverage options

ManipalCigna Lifetime Health Plan: FAQs

The 6 most-asked questions about ManipalCigna Lifetime Health Plan, answered.

ManipalCigna LifeTime Health plan is available in two variants: Domestic Plan and Global Plan, with sum options of INR 50 lakh, INR 75 lakh, INR 1 crore, INR 1.5 crore, INR 2 crore, and INR 3 crore.
The following are the waiting periods under the policy: Initial waiting period: 30days Waiting period for pre-existing diseases: 24 months Waiting period for specific illnesses: 24 months
Minimum age at entry: 91 days for Children and 18 years for Adults. Maximum age at entry: 25 years for children under a floater and 65 for Adults
ManipalCigna LifeTime Health plan can be renewed lifetime and there is no exit age in this policy.
Yes, the premium paid for this policy qualifies for income tax deductions under Section 80D of the Income Tax Act, subject to applicable conditions.
The plan offers both individual and family floater options. Individual plans provide separate sum insured per person, while floater plans share one sum insured among all insured members.

Conclusion

A high-sum insured health plan with global emergency benefits, ideal for long-term comprehensive pro

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